The eBusiness platform is a modern platform using the latest technology. It has been designed using the latest user experience best practices to be fast, easy and simple to use

The platform allows intermediaries to instantly provide quotes and issue policies real time to their clients and also offers quick quote and packaged quote options for intermediaries looking for indicative premiums within short timeframes

At present the eBusiness platform is available to Agents and Brokers in Hong Kong and Singapore The platform is currently offering the Business Insurance Package targeted at SMEs with 10 covers available for selection:

ABOUT QBE

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Terms & Conditions

Access to the secured site is offered to you for these purposes:

Use of Site By accessing, viewing or otherwise using this website you agree to be subject to these terms and conditions.

No Unlawful Offers This site should not be regarded as an offer or solicitation to sell insurance products in any country to any person to whom it is unlawful to make such an invitation or solicitation in such country.

Copyright The contents of this site are protected by copyright and may be viewed for your personal use only. The copyright owner, QBE Insurance (Singapore) Pte Ltd - Singapore Branch ("QBE") authorises you to only make true copies of any material published on this site solely for the purpose of informing you and your organisation of the products and services offered by QBE. No other use is authorised. All rights reserved.

QBE and the chain link device are registered trademarks of QBE. Unauthorised use is prohibited.

General Information Only The information in this site provides a general guide only. Changes in circumstances may occur at any time and may impact on the accuracy or completeness of the information. QBE has taken reasonable care in producing this information. However, to the extent permitted by law, QBE does not warrant the accuracy, adequacy or completeness of the information.

By accessing this site, you agree that this general information cannot be relied on as a substitute for appropriate financial or professional advice tailored to your circumstances.

Policy Details This web site does not attempt to provide full details of all our policies (e.g. aspects of cover and exclusions or limitations that may apply). For full details, please read our policy wordings, which are available on request. Not all products are available in all markets. QBE reserves the right to amend coverage at the time of quotation.

Disclaimers To the extent permitted by law, QBE will not be liable to any person or organisation under any circumstances for any indirect, consequential, incidental or special damages arising in any way out of your use of this site. This includes, without limitation, liability for any act or omission in reliance on the information in this site or any linked third party site. Where QBE cannot exclude liability, to the extent permitted by law, our liability will be limited to resupply of the relevant service, goods or equivalent goods, the cost of resupplying the service, goods or equivalent goods or, in the case of goods, the cost of repairing the goods, at our option.

Due to the nature of the internet, transactions may be subject to interruption, transmission blackout, delayed transmission and incorrect data transmission. QBE is not liable for malfunctions in communication facilities not under its control that may affect the accuracy or timeliness of messages and transactions you send.

Linked Sites QBE is not responsible for the contents available on or the set-up of any other websites linked to this site. Access to and use of such other websites is at the user's own risk and subject to any terms and conditions applicable to such access/use. By providing hyperlinks to other websites QBE shall not be deemed to endorse, recommend, approve, guarantee or introduce any third parties or other service/products they provide on their website, or have any form of co-operation with such third parties and websites. QBE is not a party to any contractual arrangements entered into between you and the provider of the external website unless otherwise expressly specified or agreed to by QBE.

No Alteration You agree not to transfer or attempt to transfer any material, viruses or code to this website that could cause damage or harm to the website or in any way impede the security of the website. You may not attempt to alter the website.

No Representations or Warranties We do not represent or warrant that the website will be available and meet your requirements, that access will not be interrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

QBE makes no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the website.

Jurisdiction You represent and warrant that when accessing this site you are a resident or otherwise located in Singapore. The access or use of this site is governed by the laws of Singapore and it is a condition of your access and use that you and QBE submit to the exclusive jurisdiction of the courts of Singapore in connection with this site.

Variation and Termination QBE reserves the right in its discretion to without prior warning or notice terminate this website's operation partially or totally, or restrict any party's use of or access to this website, or to change any information or material contained on this website and the terms and conditions under which this website is used. Any subsequent access to or use by you of the website will constitute an acceptance of those modifications.

The limitations of liability, disclaimers and indemnities in these terms will survive any termination of access to the website.

Indemnity You agree to indemnify QBE and keep it indemnified against all actions, claims, costs, demands, damages or liability arising in any manner from a breach by you of these terms.

Privacy Policy

We will only collect, use or disclose personal data in accordance with the PDPA and this Privacy Policy.

We may amend this Privacy Policy at any time and for any reason. The updated version will be available by following the "Privacy" link on our website homepage at http://www.qbe.com.sg/. You should check the Privacy Policy regularly for changes.

Any data we collect that identifies an individual is personal data and is governed by the PDPA. In this Privacy Policy, "personal data" as defined in the PDPA means any data, whether true or not:

about an individual who can be identified from that data or,

from that data and other information to which we have or are likely to have access.

When do we collect personal data? We collect personal data in a number of ways. The most common circumstances in which we collect personal data are when your personal data is used for:

processing and assessing of applications for any insurance products and daily operation of the related services;

any alterations, variations, cancellation or renewal of any insurance and related services; and

any claims or investigation or analysis of such claims.

What personal data do we collect? The types of personal data we collect from you will depend on the circumstances in which that information is collected.

When we process an application for insurance, personal details are usually collected. This may include:

your name

mobile phone number

residential phone number

office phone number

residential address

correspondence address

email address

age

gender; and

occupation

If a claim is made under a policy, we may request further information from you. However, we will then only collect information needed to manage that claim. We may also need to share your personal data with our agents or contractors, such as investigators, assessors, legal representatives and reinsurers.

Where we need to collect sensitive personal data such as health information, we will ask your consent first. Where we arrange for medical treatment or rehabilitation services, we may need to share your health information with medical practitioners and other health care providers.

What do we use personal data for? The purposes for which your personal data will be used will depend on the circumstances in which that personal data is collected. We will inform you of the purposes for which we intend to use your personal data in the Personal Information Collection Statement at or before the time we collect your personal data.

Generally, we may use your personal data for:

the purpose for which you provided it to us;

purposes which are directly related to the purpose for which you provided it to us; and

any other purposes to which you have consented.

For examples of this usage, please refer to the PERSONAL INFORMATION COLLECTION STATEMENT below.

Do we use personal data for direct marketing? We do use some of the personal data we collect to send marketing material and special offers to our customers, but only in accordance with the rules about direct marketing contained in the PDPA.

If we intend to use your personal data for direct marketing purposes or provide your personal data to third parties for direct marketing purposes, we will inform you of that at or before the time we collect your personal data. We will provide you with an opportunity to opt-out of that direct marketing at that time if you so request.

If you do not opt-out of direct marketing at that time, but you later decide that you no longer wish to receive direct marketing, you may ask us to cease any further direct marketing by contacting us at info.sing@qbe.com.

To whom do we disclose personal data? The third parties to whom your personal data will be disclosed will depend on the purposes for which that personal data is used.

We will inform you of the third parties to whom your personal data will be disclosed in the Personal Information Collection Statement at or before the time we collect your personal data.

Generally, we may disclose your personal data as necessary for:

the purpose for which you provided it to us;

purposes which are directly related to the purpose for which you provided it to us; and

any other purposes to which you have consented.

For examples of this usage, please refer to the PERSONAL INFORMATION COLLECTION STATEMENT below.

In exceptional circumstances, we may be required or permitted by law to disclose personal data, for example to law enforcement authorities or to prevent a serious threat to public safety.

How is personal data secured? We will take all reasonable practicable steps to ensure that your personal data is protected against unauthorised access, processing, erasure, loss or use.

Our security measures include:

Before sending documents containing personal data to a customer, it is important to ensure that the address of the customer is accurate and up-to-date, otherwise the data is put to the risk of accidental disclosure to unrelated third parties.

We formulate our policies and practices to specify the period of retention of customers' personal data.

Documents containing personal data such as insurance application form or policy should be securely kept against access by unauthorized parties. Personal data stored electronically in computers or portable storage devices should be protected with adequate IT security measures and access control.

Accessing and correcting your personal data Our aim is to always have accurate and up-to-date information. When you receive policy schedules, renewal notices or other correspondence from us you should contact us if the information shown is not correct. Where reasonably possible, we will correct the information held in our files or on our systems.

You may contact us to seek access to or seek to correct personal data which we hold about you. There are certain exemptions under the PDPA which may apply to personal data access and correction requests. We may require that you, the person requesting access or correction, provide suitable identification and we may charge a reasonable administration fee for complying with a data access request.

Requests for access to and/or correction of personal data held by us, should be addressed to info.sing@qbe.com or in writing to the address below.

Erasure of personal data We will take all reasonable practicable steps to erase personal data which we hold about you where the personal data is no longer required for the purpose for which it was collected and used. There are certain exemptions under the PDPA which may apply to erasure of personal data, such as if any such erasure is prohibited under any law or it is in the public interest for the data not to be erased.

Data transfers We may transfer personal data which we hold about you to a place outside Singapore in specified circumstances as set out in the PDPA.

Your consent and rights By using our service, making an application or visiting our website, you consent to the collection and use of your information and other activities as outlined in this Privacy Policy.

Queries and comments If you have a complaint or want more information about how QBE is managing your personal data, please contact the Compliance Manager using the contact details provided below. For security reasons, any request for details of personal data held by us should be made in writing.

PERSONAL INFORMATION COLLECTION STATEMENT

The information you provide to us through our website is collected to enable us to carry on insurance business and may be used for the purpose of any insurance or financial related product or service or any alterations, variations, cancellation or renewal of such product or service; any claim or investigation or analysis of such claim; and exercising any right of subrogation, and may be transferred to:

any related company or any other company carrying on insurance or reinsurance related business or an intermediary or a claims or investigation or other service provider providing services relevant to insurance business for any of the above or related purposes;

any association or similar organization of insurance companies ("Association") that exists or is formed from time to time for any of the above or related purposes or to enable the Association to carry out its regulatory functions or such other functions that may be assigned to the Association from time to time and are reasonably required in the interest of the insurance industry or any member(s) of the Association, and

any members of the Association by the Association for any of the above or related purposes.

Moreover, we are hereby authorized to obtain access to and/or to verify any of your data with the information collected by the Association from the insurance industry.